Health sharing organization offering to reimburse TLM membership fees

We were recently contacted by an associate in the Functional Medicine industry regarding a new opportunity. He found an affordable insurance alternative that would also reimburse a portion of True Life Medicine patient’s membership fees and supplements.

Health sharing is not technically “insurance”, but in the end, it does function the same. The costs are much lower than traditional insurance, but the qualifications regarding preexisting conditions and showcasing a healthy lifestyle are much higher. In addition, part of what makes these organizations exempt is falling under religious freedom, so there are well-defined lifestyle values you must agree with.

Healthy living and investing in your own wellness obviously runs parallel to the foundation of Functional Medicine. This was the crux of why we were contacted about this offering and why the opportunity exists.

One of the four qualifying organizations, Liberty Healthshare, has recognized the value of people investing in the pursuit of wellness. Specifically, those spending extra out of their pocket, as True Life Medicine patients are, to afford a doctor devoted to more than what traditional medicine and insurance will afford.

A separate product has been created called “Liberty Direct”to enable wellness-minded people to pursue their convictions in a more affordable way. The basic rates for coverage are shockingly low (go here and view under the “Programs” tab). Which initially concerned us, in a “too good to be true” aspect. But we were brought to understanding the caveat is, not everyone qualifies. The very people who are costing healthcare so much, are not approved for coverage. Which benefits those investing in their health. Great, great news.

For True Life Medicine members who are enrolled Liberty Direct, the offer:

Subsidization of a prescribed Supplemental Therapy Program through True Life Medicine

For disclosure, True Life Medicine is not a part of Liberty. We have simply been approved by Liberty and they are offering benefits to our patients who enroll with them. I, Kevin Miller, enrolled with Liberty on June 10, 2015.

July 15, 2015 UPDATE

The above information was posted and shared with our patients on June 17, 2015. True Life Medicine was part of an initial market introduction program along with a handful of other practices around the country. The program was a far greater success than Liberty had anticipated. We alone accounted for nearly 40 enrollments. They revised the program and it is now fully launched. You can see info and apply now:

For specific questions regarding coverage, please direct to them to the Liberty website and phone. Questions regarding the Liberty Direct benefits for True Life Medicine patients may be directed to Kevin Miller – kevin@truelifemedicine.com / 719-355-1924

5 Comments

I created the website for True Life Medicine and sometimes get the inside details. Because I’m self-employed and paying my own insurance, Kevin thought I might be interested in what Liberty Direct was offering. I have a family of four and we’ve been using Colorado HealthOP, paying $535/month with a $12,500 family deductible.

We were already members of True Life Medicine, so the switch to Liberty Direct was a no-brainer. Now I’m paying $449/month with a $300 annual “unshared” amount (same as deductible) because of TLM. And Liberty is reimbursing $100 per month toward our TLM membership. Less money out of pocket + better coverage + better care: You can’t beat that!

My wife Hermine and I are both just over 60 years old. We invest a lot to be well, such as whole, organic food, nutritional supplements, my health club membership and personal trainer and more. We incur far less medical expenses than our peers., yet pay the same insurance amount. We have been with United Health Care for our insurance since Hermine left HP. We’ve been paying $1,052/month for our insurance premium with a $15,000 annual family deductible. Which meant, we paid the equivalent of a mortgage every month and then had to pay any and all medical expenses out of pocket.

Over lunch at Fusion Japan with Kevin recently, he mentioned the Liberty Direct offering. I was vaguely familiar with medical sharing, but didn’t know much. I went straight home and looked the website over. I immediately enrolled as a member with True Life Medicine, then applied for membership with Liberty.

I’m now paying $299/month with $1 million coverage per incident, and would have a $1,000 annual “unshared” amount.

However, as True Life Medicine members, Liberty reduced the “unshared” amount to $0, PLUS they are reimbursing $80 per month toward our True Life membership.

I’m now paying less than half of what I was before, have $0 deductible and have the best wellness care provider possible. On one hand, it’s too good to be true. But on the other hand, it makes sense. We invest a lot to be well, and finally someone is rightly, logically honoring it.

that is just huge. and like you said…logical that someone honors the investment you guys make toward your well being. love it.

Erin McDowell
on March 11, 2016 at 6:43 am

This is interesting. Since we have been on medicaid since May of last year (due to my husband being laid off by an oil co in NM where we were making good money) all our plans to help me get safe and adequate treatment for my genetic disorders…went out the window. And being treated by an M.D. that has not had much experience in clinical methylation and nutrigenomics (sp) is risky for me, as most traditional treatments without the many, in depth testing can do more harm than good. So I spent months researching for a functional M.D. that met my standards and had a better support system in place. Once I found out about this clinic and how the membership works, I knew I had to find a way to give you guys a try. But being low income, in Denver on Medicaid wasn’t going to make that possible. And I have had too many bad experiences with mainstream M.D.s (so I have literally neen sitting/laying on my hands)! LOL My husband was hired on with Jefferson county a few months ago. And today, (after a serious medical emergency with me 2 days ago-scaring him) I have finally convinced him to put us on UHC (through his work). But he has to switch also…if we have it. So it is going to take a chunk out of his paychecks. And we already don’t have the $ for True Life memnership. But it is a must. And there is no other clinic that is qualified to meet my needs…in the entire state. So this program has me intrigued. I don’t know much about these things. But it sounds like it may help some. Thank you, Kevin…for such quick correspondence yesterday. 🙂